That is why I like the Kaiser HMO system. Most of the rates are pre-negotiated since the hospital and insurance are under the same company. Its typically $20/40

That is why I like the Kaiser HMO system. Most of the rates are pre-negotiated since the hospital and insurance are under the same company. Its typically $20/40 copay for a doctor visit. Even for me with my kidney failure and health issues, the OOP is minimal.